Business Insurance for Food Wholesalers

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Wholesale food distributors often deal in perishable goods with tight deadlines. If there's a delay or an accident, insurance coverage can be the factor that keeps your business afloat.

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Insureon helps food wholesalers save money by comparing quotes for policies that match their risks. Fill out Insureon's easy online application to get started.

What types of insurance do food and beverage wholesalers need?

These insurance policies cover common risks faced by food distributors.
General liability insurance icon

General liability insurance

Commercial general liability insurance covers basic risks, such as customer property damage and injuries. Bundle with commercial property insurance for savings in a BOP.

  • Slip-and-fall accidents
  • Damaged customer property
  • Product liability insurance
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for food distribution businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical costs
  • Partial missed wages
  • Employee bodily injury lawsuits
Business owner’s policy icon

Business owner’s policy

A BOP bundles general liability insurance with commercial property coverage in one plan. It's often the most cost-effective small business insurance for food and beverage wholesalers.

  • Customer injuries
  • Inventory damage or theft
  • Business interruption incidents
Umbrella / excess liability insurance icon

Commercial umbrella insurance

Commercial umbrella insurance boosts the liability coverage on your general liability insurance, commercial auto insurance, and employer’s liability insurance policies.

  • Customer injury lawsuits
  • Customer property damage lawsuits
  • Employee injury lawsuits
Commercial auto insurance icon

Commercial auto insurance

Business auto insurance for food and beverage wholesalers can pay for property damage and injuries in an accident. It can also cover vehicle theft and vandalism.

  • Vehicle accidents
  • Vandalism and theft
  • Weather damage
Surety bond icon

Surety bonds

Surety bonds guarantee that an insurance company will reimburse a client if a food and beverage wholesaler fails to deliver products or fulfill the terms of a contract.

  • Failure to deliver products
  • Contract disputes
  • Shipping delays
Looking for different coverage? See more policies.

Why do food and beverage wholesalers need insurance?

Buying, storing, and selling food and beverages in bulk involves unique risks. A fire or power outage could destroy your inventory and provide a major setback to a small wholesaler. Insurance for food distributors kicks in when disaster strikes and helps your business recover quickly from lawsuits, property damage, and other incidents.

How much does insurance cost for wholesalers?

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Several factors will have an impact on insurance costs, including:

  • Food products and services offered
  • Business equipment and property
  • Business income
  • Location
  • Number of employees
View Costs
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